Camp Hill, PA · Cert 14863
State charter, non-member · 25 branches
Q1 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2025 SOD (annual) · 0.2% share · #35 of 71 inst. · $0.6B of $314.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.03% | 1.07% | 2.30% | 1.74% | 1.53% | 1.31% | 0.92% | -138 bps | |
| Return on Equity | 8.61% | 9.02% | 9.36% | 19.34% | 14.48% | 12.94% | 11.05% | 7.93% | -1,141 bps | |
| Net Interest Margin | 3.83% | 3.81% | 3.78% | 3.85% | 3.83% | 3.66% | 3.61% | 3.69% | -15 bps | |
| Efficiency Ratio | 63.95% | 62.46% | 61.29% | 45.17% | 50.36% | 52.06% | 52.78% | 63.61% | +1,844 bps | |
| Non-Interest Burden | 2.47% | 2.39% | 2.32% | 0.82% | 1.46% | 1.60% | 1.66% | 2.31% | +149 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 120.16% | 131.16% | 7.94% | 2.79% | 1.01% | 8.40% | 6.51% | 8.97% | +618 bps | |
| Loan Growth (YoY) | 138.19% | 136.81% | 4.73% | 1.25% | 2.05% | 5.99% | 8.91% | 12.91% | +1,166 bps | |
| Deposit Growth (YoY) | 134.32% | 133.76% | 6.21% | 1.65% | -0.20% | 8.16% | 4.12% | 5.51% | +386 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.75% | 0.73% | 1.15% | 0.93% | 1.00% | 0.95% | 0.84% | -31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.18% | 0.13% | 0.09% | 0.78% | +77 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.13% | 1.17% | 1.05% | 1.03% | 1.24% | 1.08% | -9 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.5x | 1.5x | 1.0x | 1.1x | 1.0x | 1.3x | 1.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.41% | 9.49% | 10.02% | 10.34% | 9.95% | 9.69% | 9.71% | -31 bps | |
| Total Risk-Based Capital | 11.09% | 11.44% | 11.55% | 12.61% | 12.43% | 12.31% | 12.11% | 12.13% | -48 bps | |
| Equity / Assets | 11.28% | 11.53% | 11.61% | 12.17% | 12.18% | 11.49% | 11.70% | 11.57% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.80% | 93.92% | 95.64% | 93.39% | 95.91% | 92.04% | 100.04% | 99.94% | +655 bps | |
| Liquid Assets / Assets | 6.74% | 5.98% | 5.21% | 6.89% | 4.25% | 5.13% | 1.36% | 2.23% | -466 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 566% | 596% | 595% | n/a | |